destination: wellness - willis group · • you will receive a new aetna medical id card in...

2013 Benefits Annual Enrollment

Destination:

Wellness

Agenda • What’s New for 2013?

• Annual Enrollment

• Overview of Benefit Plans

• Questions

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Benefits Strategic Vision

• Shared Responsibility: helping you understand the role you play in controlling expenses while providing security from major health care expenses

• Consumerism: build an informed workforce who can determine the quality, value and effectiveness of treatment choices

• Wellness: encourage the choice of a healthy lifestyle

• Tools: provide access to the tools and reports to maintain good health

• Stewardship: access to reports for quality and success rates as it relates to hospitals, doctors and providers

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New for 2013 • No Medical Plan rate increases and no plan design changes

• Change in wellness vendors from The Prevention Plan to RedBrick Health

• Another new tool, Teladoc, to help you save time, money and stress

• New insurance carrier for Group Accident coverage

• 8% increase in premiums for MetLife Low and Ultra High Dental Options

• New (decreased) limit for Health FSA and Limited FSA as required under The Patient

Protection and Affordable Care Act (Health Care Reform)

• Increased limits for Health Savings Accounts

• New vendors for Pharmacy, Limited FSA, and Group Accident

• Summary of Benefits Coverage (SBCs) and Uniform Glossary (posted on

www.willisbenefits.com)

• Documentation required if you are enrolling a spouse or dependent child for the first

time to the health plans

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New for 2013

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Medical Plan Changes • No increase in Medical Plan premiums or plan design changes!

• Addition of an expanded list of women’s preventive care services with no cost-share. The plan will restrict coverage to in-network providers and generic drugs only.

• Health Savings Account participants can contribute more to their

account:

• Individual Coverage: $3,250 (up from $3,100)

• Family Coverage: $6,450 (up from $6,250)

• Reminder to Healthy Rewards participants - your Health

Reimbursement Arrangement (HRA) has no maximum roll-over

limit

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New Pharmacy Vendor - Aetna • No changes to current plan design

• Access to wide network of retail pharmacies. To find a pharmacy near you go to www.aetnanavigator.com.

• You will receive a new Aetna medical ID card in December which contains the pharmacy group information. Be sure to present your new Aetna ID card beginning January 1, 2013.

• Aetna Voluntary Mail Service - You can order refills online, by phone or by mail.

• Most Open retail and mail-order prescriptions will be honored by Aetna.

• Open prescriptions for some medications, including narcotics, will require a new prescription beginning January 1, 2013.

• If you are utilizing the Specialty Pharmacy you will receive an out reach call from Aetna Pharmacy Management.

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http://www.aetnanavigator.com/

Teladoc New Wellness Tool

What is Teladoc?

• A national network of board-certified physicians who specialize in internal

medicine, pediatrics, family medicine and emergency medicine and who provide

quality healthcare through the convenience of phone or online video

consultations. (video conference not available in all states)

• Available to Willis Associates and their dependents enrolled in the medical plan (due to state law this service is not available in Oklahoma)

• Teladoc physicians can diagnose, treat, and write prescriptions, when

necessary, for routine medical conditions for members of any age

Teladoc can assist with:

- Cold and flu symptoms - Urinary tract infections

- Bronchitis - Respiratory infections

- Allergies - Sinus problems

- Poison ivy - Ear infections

- Pink eye 1-800-Teladoc (835-2362)

www.teladoc.com/aetna

Medical Plan Options –

no changes o

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Plan Choice Deductibles Out-of-Pocket Max

In-Network Out-of-Network In-Network Out-of-Network

Healthy Rewards Plan – (CDHP)

Health

Reimbursement

Arrangement

(HRA)

$2,250/$4,500

Your earned HRA

dollars will directly

offset the deductible

$4,500/$9,000

Your earned HRA



$4,500/$9,000

Your earned HRA



$10,000/$20,000

Your earned HRA



Healthy Savings Plan – (HDHP)

$2,500/$5,000

$2,500/$5,000

$5,500/$11,000

No Maximum

Traditional Plan – (PPO - closed to new entrants)

$1,000/$2,000

$2,000/$4,000

$4,250/$8,500

$10,000/$20,000

RedBrick Health New Wellness Partner

RedBrick Health is our new vendor effective October 16. With RedBrick, we can

take our program to the next level! With RedBrick, you can:

• Analyze your current wellness level using a combination of an online Health

Assessment and Health Screening blood test.

• Work with a Health Advisor to analyze your current wellness profile and suggest

ways for you to utilize RedBrick Health’s resources.

• Join a team of co-workers and compete against other teams to lose weight, get

moving, or eat healthy (coming in 1st quarter!)

• Use online educational tools and programs to help you learn about current health

conditions and ways that you can prevent future issues.

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If you haven’t already, you will want to register with RedBrick Health and get

started!

Step 1: Register online at www.RedBrickHealth.com

(you and your covered spouse/partner will need your name as recorded on

myhr.willis.com, the last 4 digits of your SSN, and your date of birth)

Step 2: Complete the online Health Assessment

Step 3: Complete a Health Screening (Screening cost is $55.00 if you are not enrolled in the medical plan and will be payroll deducted).

Upon completion of these 3 steps you will receive an online “HealthMap” and

your journey begins!

RedBrick Health New Wellness Partner

http://www.redbrickhealth.com/

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RedBrick Health Earn Your Incentives

Medical Plan Choice Willis Associate Covered Spouse/Partner

Healthy Rewards Plan

• HRA Dollars

• Potential discounts on your

medical premium in 2014

• Up to $150 in Hallmark

Rewards gift cards

• HRA Dollars



Healthy Savings Plan

or Traditional Plan




Rewards gift cards



Not enrolled in a Willis

Medical Plan Option


Rewards gift cards

N/A

Wellness Discounts Your medical premium discount for the 2013 plan year is based on your

Total Prevention Score as measured in The Prevention Plan as of

October 15, 2012

• The Total Prevention Score is made up of your:

• Assessment – the results of your Health Risk Assessment and blood test

• Intervention – the activities you have done to help better your health and

wellness

• Both you and your covered spouse or domestic partner qualify

independently for the discounts

• The better your Total Prevention Score, the higher the discount you

could receive

• Scores of at least 796 will qualify

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1,025 Associates (~ 17%) earned a Wellness Premium Discount!

• Total Prevention Scores between:

• 796-848 – 5% discount

• 849-901 – 10% discount

• 902-954 – 15% discount

• 955-1000 – 20% discount

• Both you and your covered spouse or domestic partner qualify independently for the discounts

• The Associate’s discount will be applied against the Associate’s portion of the medical cost (if children are covered, the Associate’s discount will also apply to the children’s portion).

• The Spouse’s discount will be applied against the spouse’s portion of the medical cost.

• You must be enrolled in the Willis Medical Plan in 2013 to receive the discount

• The premium credit will first be applied to your medical plan cost. If there is a credit remaining you can use it toward any pre-tax benefit with the exception of a FSA or HSA.

• Any credit not used will be forfeited.

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Wellness Discounts

Dental Plan Changes

• Premium for the MetLife Low and Ultra High Dental options will increase by 8%

• No premium increase for the Humana High Dental option

• If you currently waive dental, you will be limited to the Low or High plan options

in 2013. You can increase options by one level in subsequent annual

enrollments.

• If you are currently enrolled the Low Option Dental Plan you are restricted to the

High Option. You can increase by one level during subsequent enrollment

periods.

• If you are enrolled in the High Option Dental you can enroll in any option.

• You can add an eligible dependent to your current plan and/or change to any

dental option as outlined above.

• If you are adding a dependent for the first time, documentation will be required

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Spending and Health Savings

Account Changes New Health FSA and Limited FSA limit is $2,500 (prior limit $5,000)

New Limited FSA vendor – Aetna (formerly Benefits Solutions) (Healthy Savings Plan only)

• Limited FSA participants will be issued debit cards

• Debit card can be used for only dental and vision expenses until the deductible is met.

• Once family deductible has been met the funds in your Limited FSA can be used for any eligible expense – including medical expenses (debit card will not work for medical – must use paper claim form)

• New IRS defined Health Savings Account limits (Healthy Savings Plan

only) • Single - $3,250 (up from $3,100) / Family - $6,450 (up from $6,250)

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Aetna/Allstate New Group Accident Carrier

Enhancements to the plan including:

- Outpatient Physician’s Treatment benefit

- Greater ICU confinement, Accidental Death, and ER benefits

• - Does not terminate at age 70

If you are currently enrolled, your election will move to the new carrier.

If you wish to retain your Continental American/Aflac policy via direct bill,

you will need to:

•1) Visit the eEnrollment site (myhr.willis.com) to Waive the Group Accident

coverage

• 2) Contact CAIC/Aflac at 1-800-433-3036

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Annual Benefits Enrollment

A Few Annual

Enrollment Specifics

• 2013 Annual Enrollment Dates: November 7 – November 27

• Annual enrollment documents posted on www.willisbenefits.com

• Packet mailed to the home containing What’s New in 2013 brochure, Wellness Tools brochure, eEnrollment instructions, Teladoc brochure, 2013 Quick Start Guide for RedBrick Health and an exercise band!

• Go online to enroll only if you want to:

• Complete your annual Tobacco-Free Declaration for you and/or your covered spouse/partner to receive your Tobacco-Free Credit

• Make changes to your current plan choices or enroll in a coverage you are not currently enrolled in

• Re-enroll in a Health FSA, Dependent FSA, Limited FSA or Health Savings Account (they will not carry over into 2013)

• Waive Group Accident if you are currently enrolled

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What happens if I “do nothing?”

• Your 2012 elections will default (carry over) and become your 2013 elections

• Your elections for the following accounts will be waived for 2013:

• Health Flexible Spending Account

• Dependent Care Flexible Spending Account

• Limited Health Flexible Spending Account

• Health Savings Account

• You will be charged the Tobacco User rate even if you are not a tobacco user! This applies if you also cover your spouse or domestic partner (even if you declared you were tobacco free during last year’s annual enrollment). This is an annual declaration.

• You must enroll online and on time - Late submissions cannot be accepted!

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Plan Overview

Medical Plan

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All Medical Plans • 100% coverage of eligible preventive care expenses (no deductible – no limit).

• Tests covered at 100% whether routine or diagnostic (no deductible)

• Mammogram

• Cervical Exam

• Colonoscopy

• No Medical Lifetime Dollar Limit

• No pre-existing exclusion for children under the age of 19

• Dependents up to age 26 eligible regardless of full time student status, dependency, residency or eligibility for other group coverage

• RedBrick Health Management Program available to all full-time regular Associates, including Hallmark Rewards gift card program

• Tobacco-Free Credit

• Highest Total Prevention Scores earn a Wellness Premium Discount in 2013

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• Best Doctors is a free and confidential service available to Willis Medical Plan participants.

• Services include:

• Comprehensive review to correct or confirm the original diagnosis and treatment plan

• Help in locating a specialist in your area

• How do you use Best Doctors?

• Call 866-904-0910 to speak to a member advocate

• Best Doctors compiles your medical information and selects a “best” doctor from their data base of over 40,000 world-renowned doctors to review your case

• Best Doctors delivers an easy to understand report for you to share with your physician and determine the most appropriate next steps together

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Best Doctors

What is Health Advocate?

• A benefit provided at no cost to you that provides a Personal Health Advocate to assist

you in navigating the healthcare system.

• Available to all Willis Associates and their dependents. Participation in the Willis Medical

Plan is not required

• Parents and parents-in-laws can even use the service

Your Personal Health Advocate can help you:

• Untangle claims

• Correct billing errors

• Find the right doctor, hospital or testing facility (especially if you are traveling)

• Assist with the transfer of medical records

• Navigate your insurance plan

• Explain conditions and treatments

• Locate eldercare services

• Resolve Medicare questions

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Health Advocate

1-866-799-2728

HealthAdvocate.com/willis

Email:

[email protected]

Did you know that even in-network, healthcare provider charges vary widely?

Castlight helps you find a high-quality doctor for an affordable price before you make an

appointment. Using Castlight online or over the phone, you can:

• Compare nearby doctors, medical facilities, and health care services based on the

price you’ll pay and quality of care. Better manage your out-of-pocket costs and make

your HSA/HRA/FSA go further.

• See personalized cost estimates based on your location, your health plan, and

whether or not you’ve already paid your deductible.

• Review step-by-step explanations of past medical spending so you know how

much you paid and why. You can also see how much you would have saved if you

had chosen another provider

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Castlight

You must be enrolled in the Willis Medical Plan to access this tool.

www.castlighthealth.com

888-722-4888

BE REWARDED FOR BEING TOBACCO-FREE!!

• Credit Amount: $18.50 per pay period each ($37/month), for you and a covered spouse/partner (if applicable). Maximum credit - $74 per month.

• To receive your credit, you must affirmatively declare you and a covered spouse/partner, if applicable, are tobacco-free via the Willis Online Enrollment System each year (i.e. haven’t used tobacco more than 5 times in the last 90 days.) This is an annual declaration.

• The system assumes everyone, including a spouse or domestic partner, is a tobacco user. You will be asked to answer Yes or No for both yourself and your covered spouse/partner. We ask that you answer the question truthfully.

• If you have declared that you are tobacco-free via the online enrollment system, and you have made your benefit elections, you will see a Tobacco-Free Credit on your online Enrollment Summary page.

Tobacco is defined as any product containing, made or derived from tobacco that is

intended for human consumption, whether chewed, smoked, absorbed, dissolved, inhaled,

snorted, sniffed or ingested.

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Tobacco-Free Premium Credit

• Unlimited – no maximum benefit!

• Pharmacy: (Administered by Aetna)

• Annual limit of 2 cycles of treatment (12 weeks per cycle)

• Covered 100% - no copay

• Generic only nicotine replacement products with prescription

• Generic Zyban and Wellbutrin (Bupropion)

• Brand name drugs Zyban, Wellbutrin, and Chantix are covered with copay

• Brand name nicotine replacement products are not covered (ex. Nicorette)

• Rx or covered OTC requires a prescription

• Medical Plan (Administered by Aetna)

• Covered expenses includes physician office visits, acupuncture (administered by a licensed medical doctor), counseling, and non-experimental programs

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Tobacco Cessation Program

• All Associates are eligible to participate (do not have to be enrolled in the Willis Medical Plan)

• Associates complete an online Health Assessment and Health Screening

• No cost to Associates enrolled in the Willis Medical Plan

• Screening cost is $55.00 if not enrolled – will be payroll deducted

• Results of Health Assessment and Health Screening help identify programs

(online and phone) to assist you in maintaining or improving your health

• Receive guidance from a Health Advisor who can assist with getting you engaged

• Visit www.willisbenefits.com and use the RedBrick Health “Quick Start Guide” to

get started

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RedBrick Health

http://www.willisbenefits.com/

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RedBrick Health

• Based on Total Prevention Scores as of October 15, 2012

• Both you and your covered spouse/partner must qualify for the discount. The discount will be calculated on each portion of the premium (i.e. if only the Associate qualifies, the appropriate discount amount will be calculated on the Associate’s portion of the total premium.) Children discount follows the Associate.

• You must be enrolled in the Willis Medical Plan to receive the credit.

• The premium credit will first be applied to your medical plan cost. If there is a credit remaining you can use it toward any pre-tax benefit, with the exception of a Health FSA, Dependent FSA, Limited FSA or Health Savings Account.

• Any credit not used toward medical or another pre-tax benefit will be forfeited.

• Total Scores of at least 796 will qualify for a discount. In no event will there be more than a 20% discount off the combined cost of employee plus spouse coverage.

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Wellness Incentives

Health Reimbursement Arrangement (HRA) For those enrolled in the Healthy Rewards Plan, you must earn your HRA dollars through your participation in RedBrick Health. By completing the two actions (Health Assessment and Health Screening) you will earn:

• HRA contributions will be pro-rated on a quarterly basis in 2013, so you must complete your required steps by March 31, 2013 to earn your full HRA!

Tier Maximum Earned HRA

Health Risk Appraisal & Biometric Screening

Employee Spouse Total

Employee Only $750 N/A $750

Employee + Spouse $750 $750 $1,500

Family $750 $750 $1,500

Employee & Child(ren) $1,250 N/A $1,250

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Wellness Incentives

Hallmark Rewards

• All Willis Associates can earn rewards for participation in RedBrick Health regardless of whether you are enrolled in the Willis Medical Plan:

• Maximum Hallmark Reward points - 150

• Reward dollars can be redeemed for gift cards. Please note the value of the gift card is 100% taxable income to you.

Complete both the Health Assessment and Health

Screening

50 points

Call a Health Advisor, complete online or phone

coaching programs (i.e. healthy eating, exercise, etc.)

(Points vary; max of 100)

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Wellness Incentives

Medical Plan Choices • Healthy Rewards Plan: earn dollars in your Health

Reimbursement Arrangement (HRA) when you take steps to

improve your health

• Healthy Savings Plan: gives you the opportunity to accumulate

tax-free money to use on healthcare expenses now and in the

future

• Traditional Plan: works like a traditional medical plan with a lower

deductible, but higher premium. This plan is closed to new

entrants effective January 1, 2011.

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Service Individual Family

Maximum Annual Health Reimbursement Arrangement (HRA)

that can be earned each year

No limit on the amount that can be accrued

$750 Associate

$750 Spouse

$1,250 Associate plus Children

In-Network Deductible $2,250 $4,500

Out-of-Network Deductible $4,500 $9,000

In-Network Out-of-Pocket Maximum $4,500 $9,000

Out-of-Network Out-of-Pocket Maximum $10,000 $20,000

Co-Insurance 80% in-network

60% out-of-network

Earn Hallmark Reward points that can be redeemed for gift cards by engaging with RedBrick Health!

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Health Reimbursement Arrangement (HRA)

• For those enrolled in the Healthy Rewards Plan, you must earn your HRA dollars

through your participation in RedBrick Health. By completing the 2 actions (Health

Assessment and Health Screening) you will earn:

Tier Maximum Earned HRA

Health Assessment & Health Screening

Employee Spouse Total

Employee Only $750 N/A $750

Employee + Spouse $750 $750 $1,500

Family $750 $750 $1,500

Employee & Child(ren) $1,250 N/A $1,250

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Earn Your Full HRA Healthy Rewards Plan

Healthy Rewards Plan Earn Your Full HRA!

HRA contributions will be pro-rated on a quarterly basis in 2013, so you must

complete your required steps by March 31, 2013 to earn your full HRA!

If you complete the required HRA steps

between :

You will receive:

October 16, 2012 – March 2013 100%

April 2013 – June 2013 75%

July 2013 – September 2013 50%

October 2013 – December 2013

(new hires and newly eligible only)

25%

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• Complete your Health Assessment at RedBrick Health (www.redbrickhealth.com)

• Get your Health Screening: (free to Associates and covered spouse/partners if enrolled in the Willis Medical Plan)

• On-site screenings will be held in larger Willis offices for a limited time

• Visit any LabCorp facility. To find one near you, visit www.redbrickhealth.com and download a lab requisition

• If you’ve completed an annual physical with your healthcare provider in the

past 6 months, ask your provider to complete and sign the Health Screening

Form found at www.redbrickhealth.com

• Schedule an appointment with your provider to do the Health Screening and

ask your healthcare provider to complete and sign the Health Screening Form

NOTE: If you have not registered for RedBrick Health you will be required to register

prior to completing the above 38






Annual Health Savings Account

Administered by JP Morgan Chase $3,250/$6,450




Out-of-Network Out-of-Pocket Maximum No maximum No Maximum

Co-Insurance

80% in-network

60% out-of-network

HSA Catch-up (age 55 or older) $1,000

Limited Health FSA Aetna

Earn Hallmark Reward points that can be redeemed for gift cards by engaging with RedBrick Health! 39


The Prescription Drug Co-pay Plan is not available.

• All drugs are subject to deductible and co-insurance

• Some prevention medications are provided at no cost to you (see Preventive

Drug List on www.willisbenefits.com)

• Use of your Aetna card at a network pharmacy will provide discount

• You can have a pre-tax Health Savings Account (HSA); It is funded by you; you

own it; and it is portable.

• HSA Administrator: JP Morgan

• Funds in HSA cannot be used until funded

• Earn up to 150 points that can be redeemed for Hallmark Reward gift cards by

participating in RedBrick Health

• Earn a premium discount in 2014

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Traditional Plan closed to new entrants


Annual Health Reimbursement Arrangement (HRA) None




Out-of-Network Out-of-Pocket Maximum $10,000 $20,000

Co-Insurance 75% in-network

55% out-of-network

Earn “My Reward” points that can be redeemed for gift cards by engaging with RedBrick Health!

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You Pay

Services Performed

In-Network*

Total Cost of

Service

Healthy

Rewards

Plan

Traditional

Plan

Healthy

Savings

Plan

Preventive Care Exams $600 0 0 0

Colonoscopy $1,500 0 0 0

Physical Therapy $285 0 $285 $285

Rotator Cuff Surgery $7,735 $3,704 $3,220 $5,319

Emergency Room Visits $3,000 $600 $750 $600

Physician Visits $910 $182 $228 $182

Subtotal of Out-of-Pocket Costs - Family

deductible met (preventive excluded) $14,030 $4,486 $4,483 $6,386

NOTE: This example considers that at least 2 family members incurred expenses and met the family

deductible. The full HRA of $1,500 has been used in the example for the Healthy Rewards Plan. The HRA

amount is not included in the “You Pay” column.

Plan Comparison

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The Out-of-Pocket Costs Per Plan Including Premium Contribution

Healthy

Rewards Plan

Traditional

Plan

Healthy

Savings Plan

Expenses covered by Willis provided HRA $1,500 N/A N/A

Associate Out-of-Pocket Expenses $4,486 $4,483 $6,386

HRA Rollover Amount to Next Year $0 N/A N/A

Total Associate Out-of-Pocket Cost $4,486 $4,483 $6,386

Annual Premium From Payroll Contributions $4,521 $12,036 $2,556

Total Associate Cost With Contributions $9,007 $16,519 $8,942

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Plan Comparison


Health

Coverage

Member

Responsibility

(MR)

Health

Reimbursement

Arrangement

(HRA)

Unlimited Preventive Care per covered

member per calendar year. No deductible

applies.

• Annually provided by Willis if earned through RedBrick Health • Pays first dollar of non-preventive services

(based upon tier – single or family coverage) • Balance in the account at the end of the year rolls to the next year

• Your money • Defined limits • Reduced by earned HRA • Can be funded by Health FSA

• Protects you from high costs • Coinsurance similar to traditional

plans • Out-of-pocket maximums for

services

Tools and resources

you need to be a successful consumer

• Discounts through Aetna • Available via phone or web • Health Coaches / Nurses • Cost & Quality Comparisons • Health Advocate • Castlight Health • Best Doctors • Teladoc

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Pre

ven

tive C

are

Health

Coverage

Member

Responsibility (MR)

Pre

ve

nti

ve

Ca

re

Health

Reimbursement

Arrangement

(HRA)

Non-Preventive Costs

2 Emergency Room Visits $ 3,000

2 Specialist Office Visits $ 500

Rotator Cuff Surgery $ 7,735

Physical Therapy (3) $ 285

Physician’s visits $ 410

$11,930

Annual Medical Expenses for

a Family of Three: Preventive Care Costs

Colonoscopy $ 1,500

Routine Physicals $ 600

$ 2,100

► There is no deductible for

preventive care and expenses

are covered at 100%.

• Earn up to $1500 in HRA dollars for Family per year

• Deductible for family (after applying full HRA) - $3,000

Health Coverage

• Willis pays 80%

after deductible

• Member pays 20%

after deductible

• Maximum Out-of-

Pocket cost for

Family (after

applying full HRA)

- $7,500

45


Member Responsibility

Deductible: $3,000

($4,500 Deductible Minus $1,500 HRA)

Coinsurance: $1,486

Total Member Responsibility: $4,486

Plan Pays:

HRA Pays: $1,500

Preventive Care: $2,100

80% Coinsurance: $5,944

Total Plan payment: $9,544

$11,930 $11,930

Member

Responsibility

(MR)

HRA Un

lim

ite

d P

reve

nti

ve

Ca

re

Co

ve

red

a

t 1

00

% p

er

co

ve

red

me

mb

er

pe

r ye

ar

Health

Coverage

46


• Aetna online tool providing a side-by-side comparison of all

medical plans

• Download your personal claim information

• Use this confidential information to help make the best plan

choice for you and your family

• Helpful in estimating funding for Health Care Spending Accounts

and Health Savings Account

• Visit: https://www.aetna.com/planselection/mbrDis.jsp?id=46

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Cost Estimator Tool

https://www.aetna.com/planselection/mbrDis.jsp?id=46

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Other Plans

Dental Plan

• Three Plan options: Low, High and Ultra High • MetLife for the Low and Ultra High Options

• Humana for the High Option

• If you currently waive dental, you will be limited to the Low or High plan options in 2013. You can

increase options by one level in subsequent annual enrollments.

• If you are currently enrolled the Low Option Dental Plan you are restricted to the High Option. You

can increase by one level during subsequent enrollment periods.

• If you are enrolled in the High Option Dental you can enroll in any option.

• You can add an eligible dependent to your current plan and/or change to any dental option as

outlined above.

• If you are adding a dependent for the first time, documentation will be required.

• All Plans include 4 cleanings per year- combined regular and periodontal cleanings

• Implants covered subject to the annual plan maximums

• Same coinsurance in and out of network • Since discounts have been negotiated with in-network providers you will receive the

maximum plan benefits when you select in-network providers • Non-participating dentists can bill you for charges above the amount considered reasonable

and customary.

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* Out of network providers may bill you for amount over Reasonable and Customary.

Low Option

MetLife

High Option

Humana

Ultra High Option

MetLife

Annual Deductible

Individual $100 $100 $50

Family $300 $300 $150

Preventive & Diagnostic Treatment*

Your Cost $0 $0 $0

Basic Treatment

Your Co-insurance 50% 20% 20%

Major Treatment

Your Co-Insurance 50% 40% 40%

Annual Maximum Benefit Per Person $750 $1,500 $2,750

Orthodontia

Lifetime Max None None 50% up to $1,500 children

under 19 only

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Dental Plan

Vision Plan

Carrier: Humana

1-866-537-0229

8 a.m. – 8 p.m. ET

Monday –Friday

See a participating

Provider

See a non-participating

provider

Exam with dilation as necessary 100% after $10 copay $35 allowance

Lenses

Single 100% after $25 copay $25 allowance

Bifocal $40 allowance

Trifocal $60 allowance

Frames $50 wholesale allowance $40 retail allowance

Contact Lenses

Elective $150 allowance $150 allowance

Medically Necessary 100% 100%

Frequency

Examination Once every 12 months

Lenses or Contacts Once every 12 months

Frames Once every 24 months

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Additional Plan features:

• Humana’s network includes many retail vendors, like LensCrafters and Pearl Vision.

• Members receive additional fixed payments on lens options including: anti-reflective coating and scratch resistant coatings.

• Members receive a 20% discount on a second pair of eyeglasses. Discount is available 12 months after the covered eye exam and available through the VCP network provider who sold the initial pair of glasses.

• After co-pay, standard polycarbonate are available at no charge for dependents less than 19 years old

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Vision Plan

With a Health FSA, you can use your pre-tax dollars to help you pay for many health care

expenses that are not covered by a medical, vision or dental plan.

• $100 min/$2,500 max (max changed in 2013 due to Health Care Reform)

• Can incur expenses through March 15, 2014 towards 2013 balance

• If enrolled in the Healthy Rewards Plan, you can determine if the Health FSA or your HRA

will pay first

• To keep process totally electronic, choose Health FSA pays first option

• OTC medications are not reimbursable under the Health FSA without a prescription due to

Health Care Reform. A full list is available on www.willisbenefits.com

• To be reimbursed from your Health FSA for an OTC medication you will need to submit a

doctor’s prescription.

• Your Aetna Debit Card cannot be used at the checkout for over the counter medications that

require a prescription. You can still use your Debit Card for other OTC items such as

contact lens solutions or bandages.

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Health FSA Health Flexible Spending Account


• 100% match of Associate contributions up to 2%

• Maximum annual match (per IRS limits) is $5,000 (based on

each individual’s eligible earnings)

• Match will be paid annually on December 31st – must be

actively employed on that date to receive match

• To access your account, visit willis.divinvest.com or call 1-

800-755-5801

• For more information on the 401(k) Plan, visit the Benefits site

at www.willisbenefits.com.

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401(k) Match


• Sick Leave & Salary Continuation

• Long Term Disability

• Business Travel Accident/ Travel

Assistance

• Group Auto & Home

• Group Excess (Umbrella

coverage) – next enrollment

August 2013

• Employee Assistance Program

• Identity Theft

• Employee Stock Purchase Program

• 529 College Savings Plan

• Employee Mortgage Program

• Adoption Assistance and Parental

Leave

• Pet Insurance

• Long Term Care

• Life and AD&D Insurance

• Group Legal

• Critical Illness

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Other Benefits

For more information, visit www.willisbenefits.com

If You

Have Questions

Consult your

2013 Guide to Benefits

Contact HR Operations at 800-231-1897 or by email at

[email protected]

Visit www.WillisBenefits.com

Live Webinars will be held:

November 6nd @ 2:00 p.m. CT

November 8th @ 10:00 a.m. CT

November 14th @ 3:00 p.m. CT

November 19th @ 10:00 a.m. CT

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Questions? 57

destination: wellness - willis group · • you will receive a new aetna medical id card in...

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